| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON NISTAD3 | 2101 RT 70 EAST CHERRY HILL, NJ 08003 | GHMSI | $93K | $18K | $111K | 4.92% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES INC. | 6 NORTH PARK DRIVE, S 310 HUNT VALLEY, MD 21030 | GHMSI | $0 | $14K | $14K | 0.63% |
| JON NISTAD3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $7K | 4.08% |
| JON NISTAD3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.76% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 11.77% |
| WEINBERG LLC5 Filed as: WEINBERG, LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $622 | $0 | $622 | 5.88% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $286 | $0 | $286 | 2.70% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $403 | $0 | $403 | 6.39% |
| WEINBERG LLC5 Filed as: WEINBERG, LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | ENVISION INSURANCE COMPANY | $208 | $0 | $208 | 3.30% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GHMSI | 145 | $2.3M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $213K |
| Vision | VISION SERVICE PLAN | 149 | $50K |
| Prescription drug(2 contracts, 2 carriers) | GHMSI | 145 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.